Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.71% | +0.03 | 0.68% |
| Return on Equity (%) | ▼ | 8.82% | -0.13 | 8.95% |
| Net Interest Margin (%) | ▲ | 4.12% | +0.11 | 4.00% |
| Efficiency Ratio (%) | ▲ | 79.95% | -5.08 | 85.03% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.17 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.20 | 1.44% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $188 | +1.31 | $186 |
| Gross Loans ($M) | ▲ | $134 | +10.09 | $124 |
| Loan Growth YoY (%) | ▲ | 77.46% | +5.01 | 72.45% |
| Total Deposits ($M) | ▲ | $171 | +2.28 | $169 |
| Shareholders Equity ($M) | ▲ | $15 | +1.19 | $14 |
| Tang. Book Value ($M) | ▲ | $15 | +1.19 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.95 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 77.46% | +5.01 | 72.45% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 2.22% | +1.93 | 0.29% |
| Allowance / Loans (%) | — | 1.52% | -0.22% | 1.74% |
| Net Charge-Off Ratio (%) | ▼ | 2.82% | +2.73 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.01% | -0.43 | 12.44% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▃▃▆▇▄█ | Net Interest Margin (%) | 3.94% | 4.00% | 4.00% | 4.00% | 4.06% | 4.09% | 4.01% | 4.12% |
| ▁▁▆▇██▇█ | Return on Assets (%) | 0.46% | 0.49% | 0.65% | 0.68% | 0.69% | 0.69% | 0.67% | 0.71% |
| ▅▅█▇▅▅▄▁ | Efficiency Ratio (%) | 83.9% | 83.4% | 86.6% | 85.0% | 83.9% | 83.6% | 82.8% | 79.9% |
| ██▃▇▆▅▂▁ | Cost of Funds (%) | 1.48% | 1.46% | 1.30% | 1.44% | 1.41% | 1.37% | 1.28% | 1.24% |
| ▂▂▁▁▁▁██ | NPA / Assets (%) | 0.63% | 0.64% | 0.30% | 0.29% | 0.34% | 0.31% | 2.16% | 2.22% |
| ▃▃▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.96% | 0.89% | 0.09% | 0.09% | 0.17% | 0.17% | 2.95% | 2.82% |
| ▁▁▃▄▆███ | Tang. Book Value ($M) | $13 | $13 | $14 | $14 | $15 | $15 | $15 | $15 |
| ▁▄▃▅▅▆▆█ | Gross Loans ($M) | $114 | $123 | $121 | $124 | $127 | $127 | $127 | $134 |
| ▂▁▄▆█▇█▇ | Total Deposits ($M) | $157 | $154 | $163 | $169 | $175 | $172 | $174 | $171 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 6% |